PNC Checking

Makes your financial life simpler.

Find out which account is best suited for your lifestyle and banking needs.

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What is Virtual Wallet?
Virtual Wallet helps you spend, save, and grow your finances.

Take money management to a whole new level

Virtual Wallet comes with online money management tools like Calendar, Money Bar® and Spending Zone that give you insight into dollars coming in, going out, and available to spend. You can also compare month-to-month spending by category, transfer funds with the swipe of a bar, and more. Explore money management tools »

Virtual Wallet is made up of Spend (your primary checking account), Reserve (for short-term savings) and Growth (for long-term savings) accounts.



Select the type of Virtual Wallet that best suits your needs:


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If you want premium account features with the highest level of rewards and benefits
  • No PNC fees for use of non-PNC ATMs. Other banks' surcharge fees are reimbursed. See how much in your area »
  • Free transactions at over 8,800 PNC ATMs
  • Highest level of rewards with your PNC Visa® Credit Card
  • Highest level of interest rate paid on balances
  • Multiple ways to avoid monthly service charge

Learn More

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If you want rewards for your broader banking relationship
  • Some PNC fees for use of non-PNC ATMs are reimbursed. Other bank's surcharge fees may be reimbursed. See how much in your area»
  • Free transactions at over 8,800 PNC ATMs
  • Bonus rewards with your PNC Visa Credit Card
  • Interest paid on balances
  • Multiple ways to avoid monthly service charge

Learn More

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If you want basic account features
  • Free transactions at over 8,800 PNC ATMs
  • Bonus rewards on your PNC points® Visa Credit Card
  • Earn cash with PNC Purchase Payback[1]
  • Multiple ways to avoid monthly service charge

Learn More

Prefer a traditional checking account?

Performance Select Checking

With Performance Select checking, you have access to our highest level of rewards and benefits along with free ATMs.

Account Summary

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Performance Checking

Performance Checking will meet your everyday banking needs while rewarding you for your overall PNC relationship. 

Account Summary

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Standard Checking

If you want basic account features and a traditional online banking experience, then Standard Checking may be the right solution for you.

Account Summary

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Important Legal Disclosures and Information

  1. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa card to make purchases. Not everyone will get the same offer.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

Visa is a registered trademark of Visa International Service Association and used under license.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC